re: American middle class families must really not be saving any money.

quote:

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So explain to me how I roll my trad ira into an employer sponsored 401k, then click three times and I have a funded Roth IRA without a tax penalty.

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Roll your existing trade IRA balance into your 401k (no tax penalty)

Contribute to the now empty Trad IRA (no tax penalty)

Convert to Roth (no tax penalty)